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HBL SalaryPlus

Salary Falling Short?

Turn to HBL SalaryPlus to meet all your short-term cash needs. HBL SalaryPlus is an overdraft facility which provides our customers with an assigned limit in their salary  account. This facility provides freedom to meet unforeseen expenses which may arise.​


  • Mark up charged on utilization only​​
  • Hassle free repayment​​​

  • Up-to 100% overdraft withdrawal via existing HBL DebitCard or cheque book ​​

  • Access to HBL InternetBanking, HBL PhoneBanking and HBL Mobile Banking​​

  • Annual renewal of facility subject to meeting requirements​​

  • No hidden costs​​

  • Processing fee charged on approval only​​


  • Salary transfer account with HBL with a minimum net monthly income of PKR 12,000 in last 12 months. ​
  • Between 21-59 years of age or retirement age (whichever is lower)​

Documents Required

  • Verified copy of original CNIC​
  • ​Recent Salary slip (original or attested)

  • Letter from Employer​

Schedule of Charges

  • Processing fee of 1% of overdraft limit or PKR 2,500, whichever is higher​

  • Annual renewal fee of 1% of overdraft limit or PKR 2,500, whichever is higher​

  • The mark up rate may vary as per the classification of your application, with a maximum of 36% per annum.

Fair Treatment to Customers

Schedule of Bank Charges (SOBC), as per the customer category, is shared with the customer where annualized percentage on the facility and charges applicable such as processing, late payment and early closure of the facility are provided. Terms of agreement are acknowledged through a finance agreement signed by the customer.

Important Documents

Key Fact Sheet (HBL SalaryPlus) - July 2018.pdf  
Size: 512 KB